Share Rates
|
Share Type |
Balance Requirement to Earn Dividends* |
Annual Percentage Rate (APR) |
Annual Percentage Yield (APY) |
|
Regular Share Savings |
$50 |
0.50% APR |
0.503% APY |
|
Holiday Club |
$50 |
0.50% APR |
0.503% APY |
|
Vacation Club |
$50 |
0.50% APR |
0.503% APY |
|
IRA Share Accounts |
$50 |
1.25% APR |
1.261% APY |
|
Escrow Accounts |
$50 |
0.10% APR |
0.100% APY |
|
Share Draft Accounts: |
|
|
|
|
minimum balance $500 |
|
0.10% APR |
0.100% APY |
|
minimum balance $2,500 |
0.20% APR |
0.201% APY | |
|
Share Certificates: |
|
|
|
|
6 to 11 Months |
$1,000 |
0.75% APR |
0.755% APY |
|
12 to 23 Months |
$1,000 |
0.90% APR |
0.906% APY |
|
24 to 35 Months |
$1,000 |
1.25% APR |
1.261% APY |
|
36 to 59 Months |
$1,000 |
1.50% APR |
1.515% APY |
|
60 Months |
$1,000 |
2.00% APR |
2.024% APY |
| IRA Certificates: | |||
| 6 to 11 Months | $1,000 | 1.00% APR | 1.007% APY |
| 12 to 23 Months | $1,000 | 1.15% APR | 1.159% APY |
| 24 to 35 Months | $1,000 | 1.50% APR | 1.515% APY |
| 36 to 59 Months | $1,000 | 1.75% APR | 1.769% APY |
| 60 Months | $1,000 | 2.25% APR | 2.280% APY |
| Money Market Accounts |
|
|
|
|
$ 0 - $4,999 |
$100 |
0.40% APR |
0.402% APY |
| $5,000 - $24,999 |
0.70% APR |
0.704% APY | |
| $25,000 - $49,999 |
0.75% APR |
0.755% APY | |
| $50,000 - $99,999 |
0.80% APR |
0.805% APY | |
| $100,000 and up |
0.85% APR |
0.856% APY |
* Average daily balance
Loans Rates
|
Loan Type |
Max Amount |
Max Term |
Interest Rate |
|
Personal |
$15,000.00 |
0-24 Months |
8.25% |
|
25-36 Months |
8.75% | ||
|
37-60 Months |
9.50% | ||
|
New Auto |
100% of invoice before taxes |
0-24 Months |
2.95% |
|
|
25-36 Months |
3.45% | |
|
|
37-72 Months |
3.95% | |
|
Used Auto |
100% of N.A.D.A. trade-in value |
0-24 Months |
2.95% |
|
|
25-36 Months |
3.45% | |
|
|
37-60 Months |
3.95% | |
|
Used Auto |
100% of N.A.D.A. retail value |
0-24 Months |
3.95% |
|
|
25-36 Months |
4.45% | |
|
|
|
37-60 Months |
4.95% |
|
Share Secured |
Total Shares |
0-72 Months |
Share rate plus 2.50% (minimum rate 4.00%) |
|
Overdraft Protection |
$1,000 |
Revolving |
13.90% |
|
VISA Classic Credit Card |
$10,000 |
Revolving |
12.90% |
|
VISA Platinum Credit Card |
$25,000 |
Revolving |
7.90% |
|
VISA Platinum Rewards Credit Card |
$25,000 |
Revolving |
9.90% |
|
Home Equity* |
$200,000 |
0-60 Months |
5.00% |
|
|
$200,000 |
61-84 Months |
5.25% |
|
$200,000 |
85-180 Months |
5.00%** | |
|
Home Equity Line of Credit* |
$200,000 |
Revolving |
Prime — 0.25%*** |
|
First Mortgage* |
N/A |
360 Months |
Determined Daily |
* New York, New Jersey, Connecticut and Pennsylvania properties only.
** Fixed for first 5 years only. (Maximum rate change of 2.00% applies.)
*** 6-month introductory rate of prime - 1.75% (minimum rate of 4.00%).
All financial institutions have fees for some of their services. In keeping with the credit union philosophy, our fees are fewer and far less than those of other financial institutions. So, when you are making a decision about your primary financial institution, remember to check their fee schedules. The money you save will still be your own when your NBC (NY) EFCU is your primary financial institution.
|
Money Orders |
$1.00 |
Excess Withdrawals on MMAs |
$10.00 |
|
AmEx Travelers Cheques |
N/C |
MMA Maintenance (under $2,500) |
$10.00 |
|
AmEx Gift Cheques ($25, $50, $100) |
$2.00 |
Check Hold Violation |
$10.00 |
|
AmEx Gift Cards ($25, $50, $100, $500) |
$3.75 |
NSF - ACH and Check Cleared |
$10.00 |
|
VISA Gift Cards ($10 to $500) |
$3.75 |
NSF - ACH and Check Returned |
$20.00 |
|
Transaction Inquiry |
$0.50(1) |
Overnight ACH and Check Hold |
$20.00 |
|
ATM transaction - Inquires & Transfers |
$0.50(2) |
Research (hourly — minimum 1 hour) |
$20.00 |
|
ATM transaction - Withdrawals & POS |
$1.00(2) |
Deposit of Foreign Item |
$10.00 |
|
Debit Card Cash Withdrawals (4/month free) |
$1.00 |
Deposited Check Returned |
$10.00 |
|
3rd Party Checks (under $500) |
$1.00 |
Early Withdrawal From Holiday Club |
$10.00 |
|
History of Account |
$2.00(1) |
Premature Withdrawal - IRA |
$10.00 |
|
Copy of Paid Check |
$2.00(1) |
Account Maintenance - IRA (annual) |
$10.00 |
|
Copy of Statement |
$5.00 |
Outgoing Wire - Domestic |
$15.00 |
|
Stop Payment of Check |
$5.00 |
Outgoing Wire - International |
$40.00 |
|
Stop Payment of Check (over 3 - flat fee) |
$15.00 |
Liens and Levies |
$30.00 |
|
Stop Payment of Check (over 10 - flat fee) |
$25.00 |
Letter of Credit |
$50.00 |
|
Certified Check |
$5.00 |
Loan Processing (refied within one year) |
$25.00 |
|
Dormant Account (quarterly) |
$5.00(3) |
|
(1) Free when you use MARS or Direct Access. (All fees and charges are subject to change at any time.) |
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